A few years ago, I had a good friend who was drowning in debt. As an exteme measure, she put her credit cards in a container of water and placed it in the freezer. She was moving to a cash-only system and a drawer wouldn't be enough to contain them. If she felt the need to use her credit cards then she would have to think long and hard during the thaw.
It definitely was a creative plan to get her finances in order and it did help for a bit. However, there were other aspects like retirement and saving that weren't taken into account.
As we embark on 2013, getting our financial house in order could be on your resolution list. A financial planner might be someone you want to turn to for help. However, this needs to be a cautious endeavor. According to a 2009 survey of certified financial planners that's part of the CFP Board of Standards Self Defense Guide, 60 percent knew a consumer who had experienced fraud or abuse by another advisor. Yikes! What's more: Anyone can call themselves a planner.